Cathy Moran, Esq.

“The personal guarantee of an SBA loan to a non-debtor borrower who is then current is a contingent liability for purposes of Chapter 13 debt limits. . . . Intrigued, I dug deeper. And got more befuddled as I went.” See Also: The Guaranty That Got Away from the SBA

“Listening is the first principle of civility and the essence of our adversarial judicial system as Judge Scott Clarkson reminded us here. . . . Yet the temptation is for you as the attorney to talk and the client to listen.”

CATHY’S BACK!! CATHY’S BACK!!!!! After a brief absence, we are pleased as punch to have Cathy Moran back in our author rotation. Welcome back, Cathy. You have been missed. Hands up, everyone who has encountered a claim that a debt is non-dischargeable by reason of §523(a)(14). So, what’s this about credit cards and taxes?

More than the title implies, this piece offers real-world pointers on preparing clients for their Meeting of Creditors – both legal and emotional. “My rules for those testifying under oath are simple: . . . If I start talking, you stop talking.”

“The client now claims that my words were a license to fail to disclose the gifts. Huh?”

“ . . . In this case, we as bankruptcy lawyers need to be on the lookout for community property.” Moran has gone over and above on this offering. Definitely a resource you will want to refer back to.

Do your clients even get close to an appropriate value of their ‘stuff’??

This article from Moran in 2023 is a perfect prelude to the Academy’s next free webinar . . . REGISTER NOW: Primer on Options for Distressed Businesses

“Most of our clients know little about the law and have never hired a lawyer. The law is a scary unknown. Worse yet, their knowledge of the law often comes from online pro pers or AI that not only lacks the human touch but is subject to being horribly wrong.”

Tired of eating fees at the end of a Chapter 13 when the debtor/client gets a discharge and you get to write off the time you spent in excess of the approved fee? Meet the Bingham Provision!